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Big Picture Loans

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173 User Reviews

3.0

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Donna Canupp Tucson, AZ

I needed to update my banking information with them. I called and was surprised to learn my account had been turned in to collections (payments were up to date). I stated I was not happy about not getting any notice before it was determined to send my account to collections. They transferred me to the collections department. First I was talking to a gentleman and explaining I was calling from work so I needed to hurry. Then all of a sudden, the conversation goes to Spanish. I then was disconnected. I called back and they said I could not provide the updated information over the phone (others do). I would have to download a document and then copy and paste something , then call them to give them the information. I get home from work, there's no email. So I call again and go through the same thing again. I am explaining I am trying to pay them, but they're not letting me do so. They said they still couldn't do it over the phone, but they would send another email. Guess what, it wasn't received. Customer service sucks.

5 years ago

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Tony Daniels Garner, NC

I called about an early pay off. I was told that I had to pay one fee of $350. But upon checking my bank account they took the $350 and an additional $250. When I contacted them they said that it was the finance charge from the last payment. However I was clearly told that as a first-time courtesy the only thing that I would have to pay was the remaining balance of $350. I called the company I was hung up on twice the third time I called back I pretended not to have called before and I finally spoke with someone. They told me that they could not reverse the money they could not send the money back to my account. I contacted my bank who I hope will help resolve the issue.

5 years ago

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uzy fatz Leesville, LA

I had a loan with big picture, when it was castle payday, they have mislead me on their fees and I got told that the fee is a one time payment included in the first payment and then followed by regular payments until it is payed off, come to find out that the fee is an ongoing payment for about 8 payments before you see a change in the amount owed going down, they told me the amount due and I put the payment in my account plus five dollars more, but they try to pull more then the amount owed out of my account and caused insufficient funds fee on my account, I tried to get them to pay for the fee was unsuccessful, the law is not protecting customers, they have to close these businesses down, these businesses are causing America to be and stay in debt. Don't trust these shark loans, take your business to a much more reputable company then wasting your money on these loan sharks.

5 years ago

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jackie g knuckles jr Atlanta, GA

When it was castle payday I've didn't have problems with them except most reps I couldn't understand. But since the switch it's garbage, the finance fee is not a one time fee it's the finance fee plus minimum payment of $25 towards loan. And I have to pay every other week so there goes one of my checks for the month already. I called to postpone a payment and rep had me waiting..then comes back and says yes it will be postponed then as we confirm and I'm waiting to start the lil survey you can do at the end, it never comes up. THEN, she returns and basically tells me they can't postpone because I postponed a payment already. I told her I did like a month or 2 ago. Turns out that payment was moved to may 13th so I couldnt. Go with the reviews they are misleading, payment dates, and finance fee is RIDICULOUS!!!!!

5 years ago

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Lynn Phoenix, AZ

Steer Clear of this predatory lender! I was told my interest would be $1250 on an $800 loan. Disclosures were not made available to me in any form until well after the funds were deposited in my account. They have since changed their name from Castle Payday to Big Picture Loans, changed my due dates AND the amount varies every payment which was not as expected. Additionally, the interest rate exceeds all reported figures at a whopping 927.7664%!!! The total cost of this sad little $800 loan will be $6811.25 if I am forced to make the remaining payments. I have already paid them over $3000 before I could even see my pay schedule and disclosures. Complaint filed with the Federal Consumer Financial Protection Agency today. Hope is helps me, but DO NOT use this pirate company!

5 years ago

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A.M. Fort Payne, AL

I took out a loan in June of 2015, the maturity date on the loan was January 4, 2016. I have continued to have a payment taken out of my account since that date. I am due a reimbursement, but when I spoke to the company , I was told..."due to the inconvenience you are having and the fact that you have been such a loyal customer, we will consider your account paid in full." WHAT!!! I'm sure they will! They have almost $600 extra of MY money! When I asked to speak to a manager or supervisor, I was given an email. They told me there was no one to speak to directly. I will be taking this to a lawyer in the next day.

5 years ago

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Victim Hartford, WI

Harassment and publicly insulted. I don't know how or where these predators got my name and address, but all of a sudden I'm receiving uninvited and unwelcome mail from them with the words "BAD CREDIT WELCOME" in bold letters on the outside of the envelope addressed to me. This is publicly insulting and harassing. I'm a business owner that pays my bills! And I DON'T have bad credit. What a bunch of unpeaceful troublemakers.

1 year ago

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Anne Moore Greenville, SC

THEIR AGENT MADE A MISTAKE AND THEY WANT TO CHARGE ME ADDITIONAL MONEY FOR IT. That's this company's idea of resolving a customer service issue. If I could give 0 stars, I would. I have used them previously without an issue. However, they recently changed their website and you now have to call to set up a payoff instead of being able to set it up on their website where the terms are laid out in writing.

1 year ago

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Barbara Santiago Largo, FL

They are HORRIBLE. I did my verification online, then 2 days later I get a call saying they need to do a 3 way call with my bank for verification. The supervisor I spoke with was not useful. He said after the verification process it would take a few days to deposit the money. NOT good right before christmas. I had the application withdrawn and told them stop sending me mail offers and put me on the do not call list. RUN AWAY!!!!!!!!!

2 years ago

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Sharon Plymouth, MN

DON'T, I repeat DO NOT apply for a loan with these people. They are the absolute worst loan company I've EVER encountered. They are VERY deceptive in the wording they use for their application/offers. Even if you are feeling desperate financially - don't apply here. You will end up paying triple of what you actually borrow. Also, their offer's will make you believe that you're paying a small amount monthly when in fact, you're paying them every other week. Reading the fine print won't help you here...unethical practices! They should be shut down and they don't deserve ANY stars!

2 years ago

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Jeanette Seeman Englewood, FL

I first took out a loan with a big hassle of emails and customer service person called my bank and was told I have 7000.00 a month income. Finally got loan and paid it off early. I then applied for another one and it's been denied due to bad credit with BIG PICTURE. It doesn't make sense. I asked for supervisor no help other than saying I'll get the denial in 30 days. What the heck. Maybe cause I paid it early they didn't get the 1400 in fees! I will contact BBB, social media here I come.

3 years ago

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Jeanette Seeman Englewood, FL

My first loan took a while for them to contact bank to verify income. They find out my income is 7000 a month and grant me a loan w unbelievable fees! I paid off the 38 mo loan in a month. I tried now and have been denied. What! I emailed them no response other then automatic emails I then called couldn't tell me why spoke to useless supervisor. I will find out why in writing. Time to let BBB, and social media know not to use this company and cashnet. Jeanette Seeman

3 years ago

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Yvonne G Honolulu, HI

"Read & Understand before applying". I would NEVER work with this company EVER again... Customer Service is great, but the terms , pay off really catches you. Pay Off shocked me when I called to pay off this loan. I got approved $1000.00 , made 4 payments of $180.00 every other week from the acceptance of the loan date. And still had to pay $1,175.00 for pay off. Never again and never referring them again. For those who are in need of money, do your research and UNDERSTAND it.

3 years ago

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Garratt Columbus, OH

Absolutely horrible and inefficient company to deal with when it comes to trying to pay your loan back. They use an intermediary company to process their electronic payments, which if your bank is any good, will be refused because its not the loan company which issued the payment to you. Why? Because it looks like a MONEY LAUNDERING PRACTICE. RUN FAR RUN FAST FROM THIS COMPANY

3 years ago

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Becky Minneapolis, MN

This company is CRAP!!! I called to ask them if I pay a certain amount what would my payoff be, she said she could not tell me until the payment clears my bank. Wonder why???? Why? because then they charge you more interest of course! These people rob you blind. It is my right to know what my loan payoff is at any point of my loan, paying off a certain amount at a time They should be able to tell me what the balance could be.

3 years ago

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Anonymous Portland, ME

Service is shady and terrible and you wait 60-90 minutes to speak with someone. No where does it tell you its 600% interest. You have the right to email them with the subject line and body of email saying REVOKING RIGHTS TO ACH/EFT so they no longer can direct debit you. Also, file a claim at https://www.consumerfinance.gov and plead your case and they might settle for just the principal amount with no interest. And in installment payments. Worked for me.

3 years ago

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Anonymous Cocoa, FL

This company is a TOTAL ripoff. I agree with the RIDICULOUS finance charges, hidden fees, and interest. When you in a tight, you don't be thinking logically to allow these PEOPLE to take more from YOU than what you borrowed from THEM. In my case, $600 with $3600 interest paid in full. This has DEFINITELY been a TRUE eye opener and eye sore as well!

3 years ago

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LINDA DAVIES East Wenatchee, WA

i had the foolish idea to take a 500 dollar loan from big picture loans, i made 5 payments ontime and then paid off my loan in full, i have been acosted by them on numerous occasions, forcing my bank to verify that the payments went to them as the merchant and that none were returned. thay keep sayiong i am behind because i paid it off early removing 1000 dollars in interest. i recomend that no one ever use these thievs, you will regret it.

3 years ago

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Dorothy Euclid, OH

My name is Dorothy Stafford I borrowed $300 from these people and I found out they wanted me to pay them$1,563.00back I paid them$388.00 back but still calling and emailing me and harassing me I told them I wasn't paying them another dime,I stop payment because I can't afford to pay them that much interest I am on a fix income and disable. I am sorry I ever deal with these people in the first place, now I see I am not the only one being fraud there need to be stop to this madness.

4 years ago

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harriett hall

I TRIED TO PAY YOU EARLY BY DEBIT CARD IT DIDN'T GO THROUGH, SO I SENT YOU A POST DATED CHECK FOR $582.80 AND SAID PLEASE DON'T CASH IT TILL 10/3/17 THEY DID MY DUE DATE IS OCT/3 IT WAS CASHED ON THE 19 OF SEPT/17 THE MONEY THAT I HAD THERE WAS FOR MY OTHER BILLS. I HAVE NO WAY TO PAY THEM THIS IS WHY I SAID DO NOT CASH HIS CHECK I NEED MY MONEY BACK INTO MY ACCT TODAY BECAUSE I WILL BE MASKLEY OVERDRAWN, PLEASE DON'T MAKE ME TAKE THIS TO FACEBOOK. THANK YOU

4 years ago

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Angie Barbour

I went to pay my loan off early, and the amount due was over $100 more than what was listed on my NEXT due date (which was a week away). So I called customer service and she gave me a THIRD amount. She also interrupted me several times, and her explanation of the discrepancies was inadequate, by far. I will never use this type of loan/this company again. It doesn't matter how desperate you are to pay the rent, this was NOT worth it!

4 years ago

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Taylor A Deloach Omaha, NE

Has no interest rate until you look online at the bottom then you see an avg rate of about 500% then I called to try to get an exact rate was told I have to go online apply for the loan and once accepted and already have it then I will know my APR lol to pay 3000 or more on a 600 dollar loan paying over 100 dollars biweekly lol just laughable my lights are out and im behind on rent but I think Ill just wait for friday otherwise ill be paying about 150 every 2 weeks for a year smh

4 years ago

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Leslie Fitzgerald

My mom was charged 2 times to her account and was only suppose to be one payment. Her payment was to start in July after she talked to a representative saying that her June payment will be at end of the loan. They won't give her the second payment back. We have been round and round about this since Monday July 31,2917. All they can say is sorry, we can't refund it back. Don't go with this company, they are a rip off and take people's money!!

4 years ago

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evelyn Chicago, IL

I received a pre-offer in the mail and decided to complete the application process. I googled BPL and came across this website ... I'm SO glad I did! After reading the reviews you guys have completely changed my mind about getting a loan from them .... there's definitely no way I'm doing business with this company ... in the trash is where this pre-offer will go .... I'll continue my loan search elsewhere ....

4 years ago

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Tasha Douda IN

The contract that I signed agreed to 1 monthly payment of $214.94. Instead Big Picture Loans started taking $214.94 every 2 weeks!!! I just called and paid off the loan. In 8 weeks they doubled their money on an $850 loan and still gave me a hard time paying it off!!! If I'd have let them continue taking payments then the payoff on an $850 loan over the coarse of 1 year would have been $5,588.44!!! That's insane and someone needs to stop this company!!!!

4 years ago

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Kim Goldy San Diego, CA

I applied for a loan with them, my agreed to payment schedule was once a month and was around $220.00 due on the 23rd of the month. Since then, they have doubled the repayment schedule, and are trying to take the funds twice a month. I am reporting them to a consumer agency for payday loans. I will not repay that and feel it is predatory. STAY AWAY FROM THIS LENDER.

4 years ago

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Daniel Verdugo Modesto, CA

I just got a loan offer by mail today, (wich I will not accept) I had an experience in the past with a different company but same way to steal money, after a week once a realized what I got mysfelf into, I returned the full loan and yet paid around $75 interest fee. never accept a verbal agrement, get at least a contract by emal and read the small letters, the interest is super high, do the math.

4 years ago

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Gary Knight Bonita Springs, FL

This company has a very deceptive advertising campaign. They seem reluctant to give details as to the payback amount, fees connected with possible late payment and wordage of the original snail mail package which the "target customer" receives by US Mail. I would think the US Post office is complicit in allowing such deceptive advertising to be sent via the USPS!

4 years ago

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Lawrence Robertson Upper Marlboro, MD

This must be the worst stick up company on the web. I only borrowed $200 and ended up paying over $600.00 after an arrangement to pay of the balance. I would advise anyone who is in deed of quick cash to never borrow any money I informed Daisy Smith, though I don't think her last name is actually Smith. The interest rates are astronomical and they have a very slick way of prolonging payments. Do not believe any form of payment arrangement. They will continue to take money from your account. Never borrow money from these crooks, you will regret it.

5 years ago

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JACKIE Raleigh, NC

DO NOT BORROW MONEY FROM THESE PEOPLE! ON A $400 LOAN AT THE END OF THE 10 MONTH PAYMENTS I WOULD END UP PAYING $2281.25 RIDICULOUS! THIS IS UNETHICAL AND SHOULD NOT BE ALLOWED. THIS COMPANY NEEDS TO BE REPORTED FOR HAVING UNREALISTIC INTEREST RATES OF 814%... I WILL NEVER RECOMMEND NOR USE THIS COMPANY I DON'T CARE HOW FAR BEHIND I GET. I WISH I HAD READ THE REVIEW PRIOR TO PUTTING MY APPLICATION IN.

5 years ago

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nathaly hernandez

this people its a scam, the charge you a lot of interest%, and when you call to get help they just clean their asses, and they just charge more. this people are sucks and when you called, you don't speak in the United States People they connect you with people from the India, and they don't resolve you nothing. I am not recommend anybody this company, they are not professionals.

5 years ago

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Valerie Raleigh, NC

i utilized there services under castle pay day and never had any concerns, other than extremely high rates, i got the cash needed for an unforseen matter.

5 years ago

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Shawna Slates-Cochrane Phoenix, AZ

Horrible horrible company. They have worst costomer service you can't understand what they say they barely speak English. Borrowed 500$ over a month period have already paid almost 800$. They said finance fee was almost 700 when all said and that is not the case. I try to pay it off early and they waited two weeks till my pay day to take out my extra payment so they could charge another 180$ finance fee on top of it so I still owe 300$!

5 years ago

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Alycen Davis Portland, OR

It is over 100$ on top of the principal which equals about 8x the loan! I applied for a $600 loan and they sneakily tried to get me to sign without telling me that its $150 for the interest (financing charge) plus whatever I chose to pay towards the principal! I couldn't believe that they are robbing people! On the sheet I thankfully saw, it said that I would end up paying $ 3800 plus the $600!!! DON'T USE THEM!

5 years ago

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Yolanda Bee

I never recieve the funds in my account I did the loan on Friday they claim it would be posted on Monday it never happen ...called today and they said it's the bank and they told me to repeat them my account routing number and bank account number but they couldn't tell me themselves what my account number was unless I repeated to them. They are a scam.

5 years ago

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Brad Deerfield Beach, FL

I borrowed $600.00 from BPL and during the initial process I was told that the pay back balance would be $810.00 with a monthly installment of $210.00 via ACH payment. To my surprise BPL took the installment on every pay cycle that is the 15th & the 30th and the overall installment would end in 2017. This is Murder! They never explain at the outset that their interest rate is 788%. why borrow from them? To all RUN from BPL

5 years ago

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Dennis Wixom, MI

Beware You cannot pay any other way other than with the account u setup at the time of the inital loan. Trying to get the bank info changed is nearly impossible customer service is poor you cannot pay with debt card ,wire transfer, you can pay with a mo but i suggest u send it return recipt requested with loan # and be sure they give u the correct address. Worst payday loan llc ive ever used.

5 years ago

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Carol Marysville, CA

They know exactly what they are doing. Before with Castle payday, I had no problems. With this company it is completely different. They make it IMPOSSIBLE to make paying the balance down despite what is on their website. They pretend to say it's "too late" to make a principal payment and you called at the "wrong time". These people are swindlers and predators. NEVER, NEVER, get involved with them.

5 years ago

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Jennifer Davenport, IA

DO NOT loan through this company. They do not know what they are doing. They will screw up your new accouny and your existing g account.DO NOT LOAN FROM THIS COMPANY. Unless you like being put on hold repeatedly when you call in for questions, being lied to repeatedly by the representatives, and your account getting messed up every time you talk to them as well!!!!???

5 years ago

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Al Witchard Birmingham, AL

Bad Company to do business with call customer service they can't give me no information or how many payments I got left and can't tell me the balance

3 months ago

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James Bibel New York, NY

BPL is a predatory lender. I needed a loan quickly for car repairs. My credit is fair but not very old. 660. I quickly received my approval for $1600 with $226 payments. Didn't realize it's EVERY TWO WEEKS. Total cost of loan over 12 months is $6000+ !! Look everywhere else before using BPL

1 year ago

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Mary McDuffie Fitzgerald, GA

They tell you that you will save interest by paying off loan early then when you ask for payoff, it is the same as the amount of payments you owe. No interest is taken off! This is a rip off company and everyone should beware.

1 year ago

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Karen M Overton, TX

Do NOT do business with these thrives. Poor customer service. I asked to delay a payment due to a hardship and the kept trying to take it any way. I called to delay a payment and they offered me no options. The interest is horrible. I paid $1700 on a $800 loan. Run far far away from them.

2 years ago

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Stephen Brown Apollo Beach, FL

Guy was sketchy when called in to complete the process. He have wanted to do an three way call with my bank then surprise bank is closed after hours. Said to call back in the morning then bam email denied with a credit score of 843. My family has always paid on multiple loans with this company. Don’t waste your time with them..

2 years ago

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Lance Assam San Antonio, TX

I have no rating for Big Picture loans. They suck. They charge you 3+ the amount of the loan. In 3 months I paid $75 short of what I borrowed. The are not credited with the BBC they don’t report to any of the credit bureaus. So! Be smart don’t apply more don’t accept

2 years ago

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sharon Lansing, MI

I know your company has taken advantage of people who run into hard times. The practices of this company needs to be investigated. An attorney needs to review these cases and contact all of these complaints, and bring a class action lawsuit against this company, just because it is a Indian tribe it should not be above the law.

2 years ago

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Gloria Des Plaines, IL

Wow, I read the reviews because I attempted to call and got no information. I'm sorry for those of you who took several hits for the team. You should contact your Attorney General's offices in your state and report the deceptive practices.

3 years ago

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Brooke A Michael McPherson, KS

If I could give less than 1 star I would! Very misleading company that makes it very hard to pay off early. I tried to pay off the debt and they gave me the song and dance that their system was down. I got this response for a week until they told me they don't have a credit card system in their Philippians location.

3 years ago

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Steve Dilbeck Joshua, TX

I took out a 1200 emergency loan, I was told it would be a 289. Dollar payment. So I agreed to do it. It was not made clear that the payment would not be monthly but biweekly. 539 a month for a 1200 dollar loan. I paid the loan off in two months and 1200 dollars cost over 900 dollars in interest. This kind of loan should be illegal.

3 years ago

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Edward Lind

Not worth the time, nor the heart ache it will cause. I borrowed $450.00 and I am looking at a total payment of $2500.00. That's 500% of what I borrowed. Could never get in touch with customer service and getting into my account, via online, was impossible. Will never use there services again.

4 years ago